Best quotation seen in your absence:"There's an almost delusional quality to our expectations of retirement. Somehow, we think we're supposed to set aside 5% of our after-tax income, and have enough to live comfortably for twenty to thirty years without working.

Of course, thanks to the baby boom, that delusion was true, for a while. The giant population bulge supported all the generations [before] them by buying their houses and stocks, and paying the taxes, dividends, and interest payments that supported their elders in a comfortable retirement. The problem is that we now think that this is something like a natural law, rather than a very temporary aberration."